FOR YOUR INVESTMENT PROPERTY

Our investor home loans

Looking to buy your first (or next) investment property? Whether it's your first rodeo, or you've been around the block before, Tic:Toc is the provider of competitive rates.

What is an investor home loan?

Investment loans are a type of loan you can get when you want to purchase a property to hold as an investment. This differs from a live-in or owner-occupier home loan which is a type of loan you would get if you intended to live in the property you are applying for. If your circumstances change, you can change from an investment loan to a live-in loan if you intend to move into your investment property.

Invest with the best

We have some of the best investment property interest rates around. But there’s more to investment property loans than interest rates alone.

  • Save on fees

    Because we’re an online home lender, you’ll have no application fee, no monthly fees, no annual fees, and no redraw fees.

  • Local team

    We have local home loan specialists that are here to help 7 days per week. Even weekends!

  • Save time

    We assess you as you complete your application, which means your home loan approval comes faster.

  • Secure process

    Get tech-nerd grade security, encryption and hosting. Plus, confidence in our Australian Credit Licence and backing by Australia's fifth largest bank.

Check out our investor home loans

Some of Australia's best interest rates live here

  • Variable

    • P&I

    • Investment

    • 3.29% p.a.

      Interest rate

    • 3.30% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • Unlimitedadditional repayments
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month

    Please note if you add an offset account, your comparison rate will change.

    Funded and secured by
    Bank-backed by Bendigo and Adelaide bank
  • Fixed 1 year

    • P&I

    • Investment

    • 4.79% p.a.

      Interest rate

    • 4.07% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • $20,000additional repayment limit per year
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month
    • 3.99%roll-to-rate after 1 year

    Please note if you add an offset account, your comparison rate will change.

    Funded and secured by
    Bank-backed by Bendigo and Adelaide bank

How do you purchase an investment property?

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  1. Look for properties

    Your first step is to get started looking for properties that you like. When looking at properties you can use things like our handy borrowing calculator or repayments calculator to get a rough idea of how much you can borrow and what your repayments will be. Using tools like these can give you a guide of what you’ll be able to afford and help narrow down your search for suitable properties.

  2. Apply for pre-approval (optional)

    While you’re looking for properties, you can apply for pre-approval so you have a rough idea of how much you are able to borrow. This can be helpful if you want to bid at an auction.

  3. Make an offer and sign purchase contract

    Once you find a worthy investment it’s time to make an offer and sign your purchase contract - things are starting to get real now!

  4. Get full approval

    Now you have your purchase contract you can apply for full approval (which is the real deal).

  5. Settlement

    Once all your paperwork has been signed and returned to your lender, all that’s left for you to do is sit back and wait for settlement. Nice!

FIND OUT YOUR FIGURES

Hungry for numbers?

We have a calculator for that.

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Have a question about investment loans?

Learn more with some of our frequently asked questions.

WE'RE HERE TO HELP

🤔 Still have questions?

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